Garden thread November 2014

[mongstradamus]

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@SunriseEarth wrote:

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@mongstradamus wrote:

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@SunriseEarth wrote:

And checking in for the day...

In Credit news...I'm anxiously awaiting Wally FICO scores to update!   I also still keep hoping for that upgrade offer, but who knows?   Aside from that, I've decided to SD the DC.   The CL is anemic and Citi isn't willing to work with me on it...so Cap One can get all the intended DC spend.   How's everyone doing in the Garden?

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I am waiting for my two new cards to start reporting so will see if my 1995 EDP MSD will affect my fico scores. Talking about scores CK has gone crazy and said all my HP were removed. I know its an fako but its kind of funny. 

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Nice MSD.   Mine is 1998.   I may go for a PRG the next time I decide to do an app spree, mainly to offset the dip to AAoA

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Yeah I got ink plus and edp together so we will see how they affect aaoa. 

[RBFool]

Checking in for the day.

Got a collection noticed for something IIB, called the collector and told them to update their records and gave them my case number.

The "mistake" I made a few days ago is still haunting me. They pulled 2 hard pulls but only showed one in the system. I sent them the inquiry information so hopefully they'll remove one.

[Kostya1992]

9 point boost from Barclay TU as of this morning

[the_jan_b]

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@-NewGuy- wrote:

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@digitaldiva wrote:

Got my upgrade today!!!  Woo-hoo!!!!!!!!!!!!!!!!!!! 

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Congrats on the upgrade!

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Gracias! 

[tcbofade]

I need January to arrive.

Six weeks?  Seven weeks?  Lessee, 19 days left in November, 31 in December...that's 50 days.  Just over seven weeks.

sheesh.

[-NewGuy-]

Good evening everyone 

[Ghoshida]

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@tcbofade wrote:

I need January to arrive.

Six weeks?  Seven weeks?  Lessee, 19 days left in November, 31 in December...that's 50 days.  Just over seven weeks.

sheesh.

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You're gonna get there soon !!

[Ghoshida]

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@-NewGuy- wrote:

Good evening everyone 

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Good evening NewGuy !

[grinlikechelsea]

Checking in for the day (and the month, actually. I've been slacking with checking in on the GC thread).

[Ghoshida]

Btw, in credit news, found out that Chase doesn't do CLI through credit freeze. My security freeze probably was reinstated earlier this month.

Contemplating whether to lift it or not; basically got some big buying to do and need to keep the balance for a while. The Freedom has enough limit to take care of the purchases but the utilization on that one card will look bad; overall I should be ok with ~6-7% utilization, but the Freedom might go up to 50-60% and stay there for 2-3 months. I'll need to focus on paying off travel purchases on the CSP which has a big APR.

My 0% APR on the Freedom is good till 06/2015. I'd have gone for a 3X CLI, bringing it to 6k.

What's the suggestion? Should I unfreeze my EX again? Or should I just grunt through the next 2-3 months? My EX has 5 inq <1 years, with 2 in the last month (CSP, Cash+) and the score after the Cash+ app was 712.

Somehow my gut says this is the sign to stay in the garden, but then...